I take a
pretty simple view on things so this may be a naive way of looking at
this question--but how about just claiming Psalm 91? My family and I
have been doing that for years and we have some fairly incredible
testimonies--as I am sure many of you all do. We get criticized for
our faith from time to time--and we have even been accused of trusting
in Him too much.

Our response
is that He says what He says and He can't lie, right? Of course, we
can't jump off the roof and expect Him to save us; that would be
testing Him.

We
can only do so much to protect ourselves and I believe we should do the
reasonable things that He shows us to do. But, as you know, we can't
possibly cover all the bases. It is so much easier to claim the
promises in this Psalm, don't you think? From the way I read the
Psalm, it covers just about anything bad that could happen. As
Believers, aren't we supposed to be able to claim all the promises in
scripture?

One thing
of note which acts as a disclaimer: at the end of the Psalm, there
appears to be some conditions to getting this protection.....

Psalm 91:1-16 (From the Literal Translation)

(1) He who dwells in the secret place of the Most High shall abide in the shade of the Almighty.

(2) I will say to YHWH: My Refuge and my Fortress, my God; I will trust in Him.

(3) For He delivers you from the fowler's snare, from destruction's plague.

(4) With His feathers He will cover you, and under His wings you shall seek refuge; His truth is a shield and buckler.

(5) You shall not fear the terror of night, nor of the arrow that flies by day;

(6) of the plague that walks in darkness, nor of the destruction laying waste at noonday.

(7) A thousand shall fall by your side, and a myriad at your right hand; it shall not come near you.

(8) Only with your eyes you shall look, and see the retribution of the wicked.

(9) Because You, O YHWH, are My refuge; You make the Most High Your habitation,